Terms of Use
Last Updated: August 11, 2026
Acceptance of Terms of Use
UNIK Media Group, LLC, doing business through ClearMyDebt.net (“ClearMyDebt.net,” “we,” “us,” or “our”), requires that all visitors and users (“you” or “your”) of this website (“Site”) comply with these Terms of Use (“Terms”).
By accessing, browsing, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms.
If you do not agree with these Terms, please do not access or use the Site.
Description of Services
This Site provides access to information concerning debt relief options and services provided, upon request, by independent service providers, along with educational articles, videos, tools, and other resources collectively referred to as the “Services.”
The Services, including modifications, deletions, updates, improvements, and new features, are subject to these Terms.
ClearMyDebt.net reserves the right to modify, suspend, discontinue, or otherwise change any portion of the Site or Services at any time, subject to applicable law.
Personal Use
The Services are intended for personal and lawful use.
Except as otherwise expressly authorized, you may not modify, copy, reproduce, distribute, transmit, display, perform, publish, license, create derivative works from, transfer, or sell information, software, products, content, or services obtained through the Site.
Children Under 13
ClearMyDebt.net is not directed toward children under 13 years of age, and we do not knowingly solicit or collect personal information online from children under 13.
No Unlawful or Prohibited Use
As a condition of using the Services, you agree not to use the Site or Services for any purpose that is unlawful or prohibited by these Terms.
You may not:
Damage, disable, overburden, or impair the Site or any associated server or network
Interfere with another person's use or enjoyment of the Site
Attempt to gain unauthorized access to any part of the Site, user account, computer system, server, or network
Engage in hacking, password mining, automated scraping, or other unauthorized access methods
Obtain or attempt to obtain information or materials through means not intentionally made available through the Site
Introduce malicious code, viruses, malware, or other harmful technologies
Use the Site in violation of applicable federal, state, or local law
Proprietary Notices
You agree not to remove, obscure, alter, or otherwise interfere with any copyright, trademark, ownership, or other proprietary notice contained on materials obtained through the Site.
Debt Relief, Loans, Credit, and Financial Information
NOTHING ON THIS SITE CONSTITUTES A PROMISE OR OFFER TO MAKE OR PROVIDE A LOAN OR EXTEND CREDIT.
Information or consultations relating to the suitability of a particular debt relief program are provided by independent service providers to whom you may request to be connected.
ClearMyDebt.net is not a lender and does not directly provide loans or credit.
ClearMyDebt.net does not directly provide credit repair services and does not represent that it will improve your credit report, credit history, credit score, or credit rating or dispute credit-report information on your behalf.
Participation in a debt relief program may have financial, tax, legal, and credit consequences. You should carefully evaluate any program before enrolling.
No Legal, Tax, or Financial Advice
ClearMyDebt.net does not provide legal, tax, accounting, or individualized financial advice.
Every individual's financial situation is different. The suitability of any debt relief product, program, or service should be carefully reviewed before making a decision.
You should consider consulting an appropriately qualified attorney, accountant, tax professional, financial professional, or other advisor regarding your individual circumstances.
Debt relief programs may involve risks, including potential effects on:
Credit standing
Credit scores
Creditor relationships
Collection activity
Legal liability
Taxes
Fees and expenses
Eligibility for future credit
Privacy Policy
Your privacy is important to us.
Our collection, use, disclosure, sale, sharing, and protection of personal information is governed by our Privacy Policy.
Please review our Privacy Policy here:
The Privacy Policy explains, among other things:
The categories of information we may collect
How personal information may be used
How information may be disclosed to third parties
California privacy rights
CCPA and CPRA rights
How to request access, deletion, or correction of personal information
How to opt out of the sale or sharing of personal information
Global Privacy Control
Marketing communication opt-out procedures
The Privacy Policy is incorporated into these Terms by reference.
Transmission of Personal Information
When you voluntarily submit personal information through the Site, you authorize ClearMyDebt.net to process that information for the purposes disclosed at the time of submission and as described in our Privacy Policy.
Where appropriate, information may be transmitted to independent service providers or business partners in order to respond to your request or connect you with services you requested.
The collection and disclosure of personal information are also subject to the choices, rights, and opt-out procedures described in our Privacy Policy.
Ownership and Intellectual Property Rights
ClearMyDebt.net owns or licenses the Site and the content appearing on the Site, including, as applicable:
Text
Graphics
Logos
Images
Videos
Audio
Articles
Software
Website design
Tools
Calculators
Other content
Such materials may be protected by copyright, trademark, trade secret, and other intellectual property laws.
Nothing in these Terms transfers ownership of any intellectual property rights to you or any third party.
Special Notice Regarding Service Providers
ClearMyDebt.net is not itself a debt relief service provider.
ClearMyDebt.net operates as an informational and referral platform that may, upon request, connect consumers with independent third-party service providers.
ClearMyDebt.net may also provide educational materials intended to help consumers better understand debt relief and related financial topics.
Independent service providers are responsible for:
Their own products and services
Determining eligibility
Providing disclosures
Explaining fees
Describing program terms
Complying with applicable laws and regulations
Performing services provided to consumers
The selection of a service provider and your decision to enter into any transaction or agreement with that provider are your responsibility.
Before entering into an agreement, you should independently evaluate the provider and carefully review the potential benefits, costs, obligations, and risks associated with its services.
To the maximum extent permitted by applicable law, ClearMyDebt.net is not responsible for the independent acts, omissions, representations, products, or services of third-party providers.
Interactive Services
The Site may include forms, chat systems, messaging features, comments, or other interactive functionality (“Interactive Services”).
When using Interactive Services, you agree not to submit, transmit, distribute, or publish material that:
Defames, harasses, threatens, abuses, or unlawfully harms another person
Violates another person's intellectual property, privacy, publicity, or other rights
Is knowingly false, deceptive, fraudulent, or misleading
Is obscene or unlawful
Contains viruses, malware, malicious scripts, or other harmful code
Interferes with another person's use of the Site
Constitutes unauthorized commercial solicitation or spam
Encourages unlawful conduct
Otherwise violates applicable law
We reserve the right, but do not assume an obligation, to review, restrict, remove, or refuse content submitted through Interactive Services when we believe doing so is appropriate or required by law.
We may disclose information where reasonably necessary to comply with applicable law, legal process, regulatory requirements, or governmental requests.
Tools Available on the Site
The Site may provide financial calculators, debt calculators, budgeting tools, payoff estimators, eligibility tools, or other interactive resources (“Tools”).
Tools are provided for general informational and educational purposes only.
Outputs generated by Tools are estimates and should not be considered guarantees, offers, financial advice, legal advice, or promises of any particular outcome.
Actual results may vary based on individual circumstances and information provided by independent service providers.
Documents Available on the Site
ClearMyDebt.net may make documents, guides, reports, or other materials available for viewing or downloading.
You are granted a limited, revocable, non-exclusive, non-transferable right to use those materials for lawful personal purposes, subject to these Terms.
Third-Party Links and Services
The Site may contain links to websites, resources, tools, or services operated by third parties.
ClearMyDebt.net does not control those third-party sites or services and is not responsible for their:
Content
Privacy practices
Security
Terms
Products
Representations
Services
Your interaction with a third-party website or service is governed by that party's own terms and policies.
Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SITE, SERVICES, ARTICLES, EDUCATIONAL MATERIALS, AUDIO, VIDEO, TOOLS, CALCULATORS, TEXT, IMAGES, AND OTHER CONTENT ARE PROVIDED ON AN:
“AS IS,” “WHERE IS,” AND “AS AVAILABLE” BASIS.
CLEARMYDEBT.NET MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES REGARDING:
MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
ACCURACY
COMPLETENESS
NON-INFRINGEMENT
TITLE
QUIET ENJOYMENT
AVAILABILITY
SECURITY
CONTINUOUS OR ERROR-FREE OPERATION
CLEARMYDEBT.NET DOES NOT WARRANT THAT:
THE SITE WILL ALWAYS BE AVAILABLE
THE SITE WILL BE FREE FROM ERRORS
DEFECTS WILL ALWAYS BE CORRECTED
INFORMATION WILL ALWAYS BE COMPLETE OR CURRENT
THE SITE WILL BE COMPATIBLE WITH EVERY HARDWARE OR SOFTWARE PLATFORM
USE OF THE SITE WILL PRODUCE ANY PARTICULAR FINANCIAL OR OTHER RESULT
THE SITE MAY CONTAIN TECHNICAL INACCURACIES, OUTDATED INFORMATION, TYPOGRAPHICAL ERRORS, OR OTHER ERRORS.
CLEARMYDEBT.NET MAY MODIFY SITE CONTENT AT ANY TIME WITHOUT NOTICE, SUBJECT TO APPLICABLE LAW.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CLEARMYDEBT.NET AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, AND PARTNERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES ARISING FROM OR RELATING TO:
YOUR USE OF THE SITE
YOUR INABILITY TO USE THE SITE
INFORMATION PROVIDED THROUGH THE SITE
LOSS OF DATA
LOSS OF BUSINESS
LOSS OF REVENUE OR PROFITS
INTERRUPTION OF SERVICE
THIRD-PARTY SERVICES
UNAUTHORIZED ACCESS
EQUIPMENT OR NETWORK FAILURE
VIRUSES OR MALICIOUS SOFTWARE
EVENTS BEYOND OUR REASONABLE CONTROL
THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY UNDER WHICH LIABILITY IS ASSERTED AND EVEN IF CLEARMYDEBT.NET HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WHERE APPLICABLE LAW DOES NOT ALLOW CERTAIN LIMITATIONS OR EXCLUSIONS, LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Indemnification
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless ClearMyDebt.net, UNIK Media Group, LLC, and their respective members, officers, employees, agents, affiliates, contractors, and partners from claims, liabilities, losses, damages, costs, and expenses, including reasonable attorneys' fees, arising from or related to:
Your violation of these Terms
Your misuse of the Site
Your violation of applicable law
Your infringement of another person's rights
Content you submit through the Site
Governing Law
These Terms and your use of the Site will be governed by applicable United States law and the laws of the jurisdiction designated by ClearMyDebt.net, without giving effect to conflict-of-laws principles, except where applicable law requires otherwise.
Any jurisdiction or venue provision contained in these Terms will apply only to the extent enforceable under applicable law.
Changes to These Terms
We may modify these Terms periodically to reflect changes in:
Our Services
Business operations
Legal requirements
Regulatory requirements
Technology
Website functionality
When we update these Terms, we will update the “Last Updated” date displayed prominently at the top or bottom of this page.
Your continued use of the Site following the effective date of updated Terms constitutes acceptance of the revised Terms to the extent permitted by law.
Miscellaneous
These Terms, together with our Privacy Policy and other policies expressly incorporated by reference, constitute the agreement between you and ClearMyDebt.net concerning your use of the Site.
If a provision of these Terms is determined to be invalid or unenforceable, that provision will be interpreted or modified to the minimum extent necessary to make it enforceable where possible, and the remaining provisions will continue in effect.
Failure to enforce a provision of these Terms does not constitute a waiver of that provision.
All rights not expressly granted are reserved.
Contact Us
If you have questions, concerns, or comments regarding these Terms of Use, contact:
ClearMyDebt.net / UNIK Media Group, LLC
For information regarding how we collect, use, disclose, or protect personal information, please review our Privacy Policy:
Last Updated: August 11, 2026